FINELMAR is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €38k and a net result of €37k. Its solvency ranks better than 61% of 8018 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2025, under 3 years, statistically higher risk.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-06-2026, 37 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
37 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€38k
Net result
€37k
Total assets
€58k
Solvency
64.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €58k
Fixed assets
€2k
Current assets
€56k
Equity and liabilities €58k
Equity
€38k
Debt
€21k
Debt finances 35.6% of the balance-sheet total.
Key figures and ratios
Solvency
64.4%
ROE
99.2%
ROA
63.9%
Debt
€21k
Debt ≤ 1 year
€21k
Income taxes
€10k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€58k
Fixed assets21/28€2k
Tangible fixed assets22/27€2k
Plant, machinery and equipment23€2k
Current assets29/58€56k
Amounts receivable within one year40/41€29k
Trade receivables40€28k
Other amounts receivable41€1k
Cash at bank and in hand54/58€23k
Deferred charges and accrued income490/1€4k
Equity and liabilities
Total equity and liabilities10/49€58k
Equity10/15€38k
Contributions10/11€2k
Profit (loss) carried forward14€36k
Amounts payable17/49€21k
Amounts payable within one year42/48€21k
Trade debts44€5k
Suppliers440/4€5k
Taxes, remuneration and social security45€16k
Taxes450/3€16k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€413
Gross operating margin9900€49k
Operating profit (loss)9901€49k
Financial income75/76B€23
Recurring financial income75€23
Financial charges65/66B€2k
Recurring financial charges65€2k
Profit (loss) for the period before taxes9903€47k
Income taxes67/77€10k
Profit (loss) for the period9904€37k
Profit (loss) for the period to be appropriated9905€37k
Appropriation of the result
Profit (loss) to be appropriated9906€37k
Profit to be distributed694/7€2k
Return on contributions (dividend)694€2k
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
24-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Grimbergen · 1 establishment unit since 2025
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Benedestraat 1341851 GrimbergenGround area
971 m²
Building footprint
131 m²
Volume, LiDAR
46 m³
Parcel 23036B0921/00B000, Flanders · tallest building 4.4 m. Linked by address, not a title deed.
1 establishment unit
FINELMAR
since 20252.372.425.802
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23036B0921/00B000 | Flanders | 971 m² | 1 · 131 m² | 4.4 m |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 9,500 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-03-2025
Fiscal year end31-12
Activities, NACEBEL
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.